Capitol City Bank & Trust Co. Mortgage Lending & HMDA Data, 2006
In 2006, Capitol City Bank & Trust Co. of Atlanta, GA reported 55 mortgage applications totaling $7.1 million, up 10% from 2005. The average application was for $129,836, and applicants reported an average income of $57,745. 91% of its applications resulted in an originated loan and 7% were denied. Its largest markets were Atlanta-Sandy Springs-Marietta, GA (31), Albany, GA (8) and Augusta-Richmond County, GA-SC (8) (applications in parentheses).
| Mortgage Company & Address | Capitol City Bank & Trust Co. 562 Lee Street Atlanta, GA 30310 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2003 |
| Total Number of Mortgage Applications | 55 |
| Total Mortgage Loan Application Amount | $7,141,000 |
| Average Mortgage Loan Application Amount | $129,836 |
| Highest Mortgage Loan Application Amount | $849,000 |
| Average Applicant Income | $57,745 |
| Highest Applicant Income | $378,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Capitol City Bank & Trust Co. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Atlanta-Sandy Springs-Marietta, GA | 31 | $ 4,786,000 | $ 154,387 | $ 69,000 |
| Albany, GA | 8 | $ 905,000 | $ 113,125 | $ 61,000 |
| Augusta-Richmond County, GA-SC | 8 | $ 329,000 | $ 41,125 | $ 18,000 |
| Savannah, GA | 5 | $ 144,000 | $ 28,800 | $ 51,000 |
Mortgage Loan Application Detail Totals for Capitol City Bank & Trust Co. in 2006
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Refinancing | 35 | $6,108,000 | $174,000 | $849,000 | $68,000 | $378,000 |
| Home Improvement | 13 | $341,000 | $26,000 | $80,000 | $58,000 | $135,000 |
| Home Purchase | 7 | $692,000 | $98,000 | $426,000 | $6,000 | $46,000 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Black or African American | 33 | $2,455,000 | $74,000 | $502,000 | $91,000 | $378,000 |
| Not applicable | 20 | $4,481,000 | $224,000 | $849,000 | $0 | $0 |
| White | 1 | $190,000 | $190,000 | $190,000 | $120,000 | $120,000 |
| Asian | 1 | $15,000 | $15,000 | $15,000 | $60,000 | $60,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Hispanic | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Provided | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 55 | $7,141,000 | $129,000 | $849,000 | $58,000 | $378,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 50 | $7,079,000 | $141,000 | $849,000 | $60,000 | $378,000 |
| Application Denied By Financial Institution | 4 | $57,000 | $14,000 | $21,000 | $38,000 | $77,000 |
| Application Withdrawn By Applicant | 1 | $5,000 | $5,000 | $5,000 | $22,000 | $22,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Capitol City Bank & Trust Co.'s 2006 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Capitol City Bank & Trust Co.'s mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in Georgia, download the full spreadsheet
with aggregated HMDA statistics today.
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